Smart Saving & Investing rewards an additional investment in your investment portfolio with temporary extra interest on your savings. This way, you can get more out of your money today and tomorrow.
As an existing Portfolio Management customer, you can easily make an additional investment online via the ING App or My ING.
"},"alignedImage":{"position":"right"}},{"componentType":"applicationProcess","steps":{"title":"How it works","stepList":[{"title":"Sign up for the promotion","body":"Do this by 21 July 2026 at the latest via the online registration form.","textLink":{"url":"https://mijn.ing.nl/login/?eai=true&Target=https://mijn.ing.nl%2Fbanking%2Fcampaign-management%2F247c706c-728b-5cd0-9a3b-7bf00b39d7c2","text":"Sign up"}},{"title":"Make an additional investment","body":"You make a one‑off investment of at least €50,000 in your investment portfolio, or you choose automatic investing from €500 per month. For this promotion, your net investment (total investments minus withdrawals) made between 21 April and 21 July 2026 counts."},{"title":"Receive the bonus interest","body":"You will receive bonus interest monthly for up to 12 months on your Savings Account, from the moment you have invested the minimum net amount.","textLink":{"url":"https://assets.ing.com/asset/c65570b8-29a4-4e19-bafb-c0fd2898a4c6/ING-Promotional-Terms-and-Conditions-Smart-Saving-and-Investing-existing-Portfolio-Management-account.pdf","text":"Read the full promotional Terms and Conditions."}}]}},{"componentType":"cta","microCopy":"Sign-up and additional investments are possible until 21 July 2026.","textLink":{"url":"https://mijn.ing.nl/login/?eai=true&Target=https://mijn.ing.nl%2Fbanking%2Fcampaign-management%2F247c706c-728b-5cd0-9a3b-7bf00b39d7c2","text":"Sign up & invest"}},{"componentType":"sectionTitle","title":"Variable savings interest and bonus interest on the Savings Account"},{"componentType":"paragraph","richBody":{"value":"By participating in this promotion, your savings interest can temporarily increase to a maximum of 2.25% per year. This consists of the current variable savings interest on the Savings Account (Oranje Spaarrekening) and the temporary bonus interest of 1% per year. The savings interest on the Savings Account is variable and may change.
| Savings balance | Savings interest | Bonus interest | Maximum rate temporary |
|---|---|---|---|
| €0 – €10,000 | 1.25% | 1.00% | 2.25% |
| €10,000 – €100,000 | 1.00% | 1.00% | 2.00% |
| €100,000 – €500,000 | 1.00% | 1.00% | 2.00% |
| €500,000 – €1,000,000 | 1.00% | 0.00% | 1.00% |
| Above €1,000,000 | 0.00% | 0.00% | 0.00% |
In the calculation examples below, you can see what the bonus interest may yield. We assume the current variable savings interest on the Savings Account, currently up to 1.25% per year on a savings balance up to €10,000. Interest rates may change. Investment returns are not included.
"}},{"componentType":"accordion","accordionList":[{"title":"1. You have €75,000 in savings and make an additional investment of €55,000","richBody":{"value":"
You have €75,000 in savings in your Savings Account. Your Portfolio Management account already had €100,000, and during the promotion period you invest an additional net €55,000. In this example, we assume that both your savings balance and your net additional investment remain the same for 12 months.
What does this yield over 12 months?
How is this amount calculated?
1. Bonus interest (1% per year)
You receive 1% bonus interest on the portion of your savings that is equal to your net additional investment in Portfolio Management.
Please note: the value of your existing Portfolio Management portfolio from before the promotion period (€100,000) does not count for this.
2. Savings interest on the Savings Account (variable)
In addition, you receive the regular savings interest on your full savings balance (in this example: 1.25% up to €10,000 and 1.00% above that).
You have €50,000 in savings in your Savings Account. Your Portfolio Management account already had a balance, but during the promotional period you start automatic investing with a net investment of €1,250 per month.
This means that over 12 months you invest an additional net €15,000. In this example, we assume that both your savings balance and your monthly net investment remain the same for 12 months.
What does this yield over 12 months?
How is this amount calculated?
1. Bonus interest (1% per year)
You receive 1% bonus interest on the portion of your savings that is equal to your net additional investment in Portfolio Management.
Please note: the value of your existing Portfolio Management portfolio from before the promotion period does not count for this.
2. Savings interest on the Savings Account (variable)
In addition, you receive the regular savings interest on your full savings balance (in this example: 1.25% up to €10,000 and 1.00% above that).
Curious for more calculation examples? You can find them in the promotional Terms and Conditions.
"}}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What do we mean by an existing Portfolio Management account?","richBody":{"value":"An existing Portfolio Management account is an account that you had already opened before the start of the promotion period (21 April 2026).
"}},{"title":"Do I need to register for this promotion?","richBody":{"value":"Yes. Registering for this promotion is very easy and is done via the online registration form in the ING App or My ING. After registering, you can immediately make an additional investment online via the ING App or My ING.
"}},{"title":"When does the bonus interest period start and when is it paid out?","richBody":{"value":"The bonus interest period of up to 12 months starts once, during the promotion period, you:
The bonus interest is paid out monthly, at the end of each month, to your Savings Account, for a maximum period of 12 months. Do you have multiple savings goals on your Savings Account? Then the bonus interest is credited to the first savings goal you created.
"}},{"title":"How do I know if my bonus interest has been paid?","richBody":{"value":"You will see the bonus interest as a separate interest credit on your Savings Account, visible in the ING App and My ING. Please note: the description of this interest credit is shown in Dutch. For example: “Actierente Vermogensbeheer mei 2026.''
"}},{"title":"Does an additional investment made after the promotional period still count towards the bonus interest?","richBody":{"value":"Yes. Additional investments after 21 July 2026 count for the bonus interest, within your remaining bonus interest period of up to 12 months. This always concerns your total net investment: the total amount you invest in the investment portfolio of your Portfolio Management account, minus any withdrawals. All net investments count up to a maximum savings balance of €500,000.
Do you make additional net investments during the bonus interest period? Then the amount on which you receive bonus interest can increase, up to this maximum.
"}},{"title":"What happens if I withdraw money from my Portfolio Management account during the bonus interest period?","richBody":{"value":"Do you withdraw money from the investment portfolio of your Portfolio Management account during the bonus interest period? Then your net investment will decrease. As a result, the amount on which you receive bonus interest may also decrease.
Example: You have €50,000 in savings in your Savings Account and have invested a net €50,000 to the investment portfolio of your Portfolio Management account. You receive bonus interest on €50,000. If you then withdraw €5,000 from your investment portfolio, your net investment becomes €45,000 and from that moment on you receive bonus interest on €45,000.
The bonus interest is calculated daily, so a withdrawal can have an immediate effect on the amount on which you receive bonus interest.
"}},{"title":"Do market fluctuations affect my bonus interest?","richBody":{"value":"
No. Market price fluctuations in the value of your investment portfolio have no effect on the bonus interest. When calculating the bonus interest, we only look at your net investment to the investment portfolio of your Portfolio Management account and the savings balance on your Savings Account. If the value of your investments rises or falls due to the market, that does not change the amount on which you receive bonus interest.
"}},{"title":"What happens if my savings balance decreases during the bonus interest period?","richBody":{"value":"If your savings balance decreases, for example because you withdraw or transfer money from your Savings Account, the bonus interest will be calculated on the lower savings balance. This applies as long as, and to the extent that, your savings balance is equal to your net investment in Portfolio Management.
"}},{"title":"Can I participate with a business Portfolio Management account?","richBody":{"value":"Yes, you can. For participation with a business Portfolio Management account, registration is always handled via an Asset Advisor.
If you participate with a business Portfolio Management account, you will receive the bonus interest on the Business Orange Savings Account. Read the promotional Terms and Conditions or ask an Asset Advisor for more information.
"}},{"title":"I’m not investing in Portfolio Management yet. Can I participate?","richBody":{"value":"Yes, you can. Don’t have a Portfolio Management account yet? Then the promotional Terms and Conditions for starting with Portfolio Management apply to you. View the promotional terms and conditions for starting with Portfolio Management. View the campaign page for starting with Portfolio Management.
"}}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Terms and conditions apply. Please read the full promotional Terms and Conditions.
Important information about investing
Investing involves risks and costs. You can lose your investment or part of it. Read more about the risks of investing and how to limit them. Also view the General Terms and Conditions for Investing (in Dutch only).
Important information about the Savings Account (Oranje Spaarrekening)
"}}]}}}